SOFI · SoFi Technologies, Inc.
$15.67
-0.09 (-0.57%)
At close · Oct 7
Return incl. dividend (before tax)
Market Cap
$21.41B
Shares
1.29B
Volume · Oct 7
33M
Avg daily vol (3M)
57.95M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$15.76
Open$16.01
Day$15.73–16.17
52W close$15.15–32.21
Avg vol 30d43.7M
Short int189.0M · 14.6% float · 5.2d
Short vol48%
Last earningsOct 27, 2026
DataJan 2021–Oct 2026
Filing10-Q · Aug 6
Up next
Next earnings release
Oct 27, 2026
Announced
· in 3 wks
Next earnings call
Oct 27, 2026
Scheduled
· in 3 wks
filed Aug 6, 2026
call held Jul 29, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$4.31B
Trailing 12 months
Net income (TTM)
$636.26M
Trailing 12 months
Revenue growth YoY
+42.5%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
32.2
Trailing earnings · reciprocal yield 3.1%
FCF yield
-41.1%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+14.3%
Year over year · more shares
Price change (1Y)
-40.2%
Trailing year
Short interest
14.6%
Latest settlement · 5.2 days to cover
AI Brief
Q2 FY26 earnings call · Jul 29, 2026
Q2 FY26
TL;DR. SoFi posted record Q2 results with 40% adjusted net revenue growth, raised full-year revenue guidance to $4.75–$4.85 billion (from ~30% growth), and reiterated EBITDA/EPS guidance despite now expecting rate hikes rather than cuts. Member and product growth hit records and cross-buy accelerated to 51%.
Bullish
- + Adjusted net revenue grew 40% year-over-year to a record $1.2 billion
- + Full-year adjusted net revenue guidance raised to $4.75–$4.85 billion (up from ~30% growth)
- + Record loan originations of $14.8 billion, including record personal, student, and home loans
- + Tangible book value grew 56% year-over-year to $9.5 billion ($7.34 per share)
Bearish
- − Interest rate outlook shifted from two expected cuts to one to two hikes, pressuring margin assumptions
- − EPS guidance unchanged at $0.60 despite revenue raise, as full-year tax rate assumption jumped 700 bps to 22%
- − Technology Platform segment revenue fell 23% year-over-year as a large client transitioned off the platform
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Research
our published analysis of this company
Equibles Rating
blended score · not investment adviceOverall
Sell
SellHoldBuy
Technical
Strong Sell
Momentum
Very Weak
Sentiment
Bearish
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 15 · calm
Equity put/call 0.63
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−16%
below
Price vs 50-day avg
−10%
below
RSI (14)
37
neutral
MACD trend
Negative
52-week position
4%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−12%
trailing
6-month return
−16%
trailing
YTD return
−40%
this year
Relative strength
−27%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $17 › 200d $19 — 200d above 50d
Institutional flow
Distributing
11 of 944 funds reported for Sep 30 · net -169 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
14.63% of float · ▲ +6.5% MoM · 5.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
944 holders — mid 3-yr range
Squeeze score
63
elevated · 0–100
Fundamentals
Revenue growth
+35%
Y/Y
EPS growth
0%
Y/Y
Valuation
P/E 33.8
rich
Balance sheet
$3.1B
net cash
Quant / Vol
risk profile
Volatility
57%
annualized · 1-yr
Max drawdown
−53%
past year
ATR
3.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jul 29, 2026
Adjusted EBITDA margin
· full year 2026
Non-GAAP
Initiated
33% – 34%
Adjusted EBITDA
· full year 2026
Non-GAAP
Initiated
$1.6B
Adjusted net revenue
· full year 2026
Non-GAAP
Initiated
$4.75B – $4.85B
Annual adjusted net revenue growth year-over-year
· full year 2026
Non-GAAP
Initiated
32% – 35%
Adjusted net income
· full year 2026
Non-GAAP
Initiated
$825M
Annual adjusted EBITDA margin
· full year 2026
Non-GAAP
Initiated
33% – 34%
Adjusted net income margin
· full year 2026
Non-GAAP
Initiated
17%
Effective tax rate
· full year 2026
Initiated
22%
Total members growth year-over-year
· full year 2026
Initiated
at least 30%
Guided vs delivered
· last 2 settled
EPS
third quarter of 2024
guided $40000.00
$0.05
Miss −100.0%
GAAP EPS
full year 2024
guided $0.09 – $0.10
$0.39
Beat +310.5%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−16%
Bearish
Price vs 50-day avg
−10%
Bearish
RSI (14)
37
Neutral
MACD trend
Negative
Bearish
52-week position
4%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $17 › 200d $19 — 200d above 50d
Institutional flow
Distributing
11 of 944 funds reported for Sep 30 · net -169 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
14.63% of float · ▲ +6.5% MoM · 5.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
944 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $15
Now $16 · 4%
Range high $32
vs 200-day avg -16%
vs 50-day avg -10%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted earnings per share – diluted (non-GAAP) non-GAAP | $0.12 | Three Months Ended June 30, 2026 filing | — |
| Adjusted EBITDA non-GAAP | $357.82M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income 156.59M
+10.68M Interest expense – corporate borrowings
+47.72M Income tax expense
+73.11M Depreciation and amortization
+76.87M Share-based expense
+926K Foreign currency impact of highly inflationary subsidiaries
-13.14M Servicing rights – change in valuation inputs or assumptions
+16K Residual interests classified as debt – change in valuation inputs or assumptions
+682K Restructuring charges
+4.38M Transaction-related expense
= Adjusted EBITDA 357.82M
|
|||
| Adjusted EBITDA margin (non-GAAP) non-GAAP | 30% | Quarter Ended June 30, 2026 filing | — |
| Adjusted net income (non-GAAP) non-GAAP | $160.41M | Three Months Ended June 30, 2026 filing | — |
| Adjusted net income attributable to common stockholders – diluted (non-GAAP) non-GAAP | $160.46M | Three Months Ended June 30, 2026 filing | — |
| Adjusted net revenue non-GAAP | $1.21B | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Total net revenue 1.22B
-13.14M Servicing rights – change in valuation inputs or assumptions
+16K Residual interests classified as debt – change in valuation inputs or assumptions
= Adjusted net revenue 1.21B
|
|||
| Adjusted net revenue – Lending non-GAAP | $711.67M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Total net revenue – Lending 724.8M
-13.14M Servicing rights – change in valuation inputs or assumptions
+16K Residual interests classified as debt – change in valuation inputs or assumptions
= Adjusted net revenue – Lending 711.67M
|
|||
| Adjusted weighted average common stock outstanding – diluted (non-GAAP) non-GAAP | 1.32B | Three Months Ended June 30, 2026 filing | — |
| Average loan balance - Home loans | $232,271 | Three Months Ended June 30, 2026 filing | — |
| Average loan balance - Personal loans | $25,361 | Three Months Ended June 30, 2026 filing | — |
| Average loan balance - Student loans | $45,905 | Three Months Ended June 30, 2026 filing | — |
| Financial Services segment contribution profit non-GAAP | $212.68M | the three months ended June 30, 2026 filing | — |
| Incremental adjusted contribution margin – Lending non-GAAP | 58% | 2026 vs 2025, the three months ended June 30 filing | — |
| Incremental adjusted EBITDA margin non-GAAP | 31% | 2026 vs 2025, the three months ended June 30 filing | — |
| Lending segment contribution profit non-GAAP | $399.03M | the three months ended June 30, 2026 filing | — |
| Loan Platform Business consolidated adjusted net revenue contribution non-GAAP | $143.3M | the second quarter of 2026 filing | — |
| Loans with a balance | 2,130,211 | Three Months Ended June 30, 2026 filing | — |
| Origination volume | 69% | the three months ended June 30, 2026 filing | — |
| Origination volume - Home loans | $1.39B | Three Months Ended June 30, 2026 filing | — |
| Origination volume - Personal loans | $10.72B | Three Months Ended June 30, 2026 filing | — |
| Origination volume - Student loans | $2.69B | Three Months Ended June 30, 2026 filing | — |
| Origination volume - Total | $14.8B | Three Months Ended June 30, 2026 filing | — |
| Personal loan annualized charge-off rate | 2.62% | three months ended June 30, 2026 filing | — |
| Personal loans and home loans sold or transferred through Loan Platform Business | $4.1B | the three months ended June 30, 2026 filing | — |
| Personal loans originated on behalf of third parties | $3.1B | the three months ended June 30, 2026 filing | — |
| Technology Platform segment contribution profit non-GAAP | $11.77M | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SOFI
this stock
SoFi Technologies, Inc.
|
$21.41B | -39.8% | +35.1% | 33.8 | 14.6% |
|
V
Visa Inc.
|
$655.56B | +5.7% | -4.9% | — | 1.0% |
|
MA
Mastercard Inc
|
$499.38B | -0.8% | +16.4% | 31.4 | 0.8% |
|
AXP
American Express Co
|
$206.24B | -17.7% | +13.4% | 18.5 | 1.6% |
|
COF
Capital One Financial Corp
|
$119.78B | -19.2% | +36.6% | 11.7 | 1.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SOFI | -0.9% | -12.5% | -16.1% | +0.3% | -39.8% |
| SPY | +2.0% | +1.7% | +11.3% | +2.2% | +14.3% |
| vs SPY | -2.9% | -14.2% | -27.4% | -1.9% | -54.1% |
Key facts
CIK
1818874
CUSIP
83406F102
13F (30d)
28 filings
24 filers
Visit website
Investor relations